4.237
Revenue¥B
3.620
3.733
3.845
3.976
4.134
4.382
4.694
4.915
5.188
5.384
4.553
5.43%
4.61%
22
16.66
Revenue growth%
4.20
1.56
0.40
0.40
0.40
0.40
0.40
0.64
1.18
0.40
26.75
0.40
0.40
28
27.39
NIM%
22.35
20.32
18.23
15.87
15.83
13.64
15.12
12.46
12.98
10.84
14.00
12.98
15.48
54
16.13
Effic. R.%
10.73
11.82
12.29
13.89
14.90
13.75
14.48
15.34
16.25
17.07
23.84
15.34
14.19
25
4.90
Net margin%
30.12
31.06
29.13
31.44
32.58
30.74
28.33
26.38
25.64
27.19
24.18
27.19
29.62
55
9.477
P/E ratio (avg)x
16.63
17.35
16.27
15.71
17.63
18.26
18.97
20.42
19.79
18.99
12.24
18.99
17.94
91
32.92
P/TBVx
25.27
28.75
27.83
28.42
29.62
27.86
31.36
32.55
30.33
31.44
32.93
31.36
29.19
40
27.51
P/Bx
13.80
15.50
15.91
16.30
18.95
18.40
18.29
18.92
20.92
23.28
35.86
18.92
18.34
61
0.648
NII¥B
2.024
2.121
2.200
2.264
2.378
2.453
2.660
2.774
2.970
3.040
0.440
5.04%
4.72%
—
7.99
NII grth%
0.40
0.40
0.40
0.40
2.95
0.56
0.40
0.40
2.67
4.18
27.31
0.56
0.40
24
2.19
ROTE%
11.79
10.80
13.14
13.26
13.66
15.25
13.12
14.37
17.15
16.07
15.00
15.25
13.46
7
3.15
Return on equity%
21.67
23.78
24.91
27.00
27.08
26.79
29.08
27.70
26.98
24.90
8.60
26.98
26.89
60
9.60
Return on assets%
15.70
13.46
13.75
16.63
17.01
18.73
21.49
19.99
20.96
18.77
17.93
19.99
17.87
47
0.78
EPS¥
1.47
1.69
1.64
1.62
1.69
1.91
2.09
2.11
2.30
2.15
0.84
4.98%
4.87%
—
26.58
EPS growth%
8.24
7.01
6.43
8.90
11.71
8.79
11.13
11.37
10.87
12.55
27.88
11.13
9.88
68
0.73
Bookvalue per sh¥
0.41
0.41
0.42
0.43
0.44
0.41
0.44
0.47
0.48
0.52
0.86
3.21%
2.58%
—
0.64
TBV/sh¥
0.39
0.40
0.43
0.39
0.37
0.37
0.39
0.40
0.36
0.38
1.07
0.12%
(0.65%)
—
0.84
Dividend per sh¥
0.33
0.39
0.42
0.48
0.50
0.53
0.53
0.52
0.54
0.62
1.16
4.33%
6.55%
—
11.19
Div yield (avg)%
9.80
7.66
6.05
3.27
0.94
2.15
0.82
0.40
3.04
1.66
21.47
1.66
2.59
62
14.32
Payout ratio%
28.71
29.29
28.13
27.42
30.23
29.17
28.17
29.37
30.01
30.42
28.58
29.37
29.23
62
3.667
Shares (diluted)B
5.000
5.151
4.884
5.079
5.397
4.986
5.479
5.971
6.741
6.535
3.705
3.90%
3.95%
55
11.64
Buyback yield%
24.52
23.81
23.91
24.02
24.21
26.49
29.02
30.27
30.44
31.69
12.96
30.27
25.51
56
18.10
Eq/Assets%
18.73
18.62
18.34
17.53
19.42
19.71
19.78
20.27
21.44
20.36
42.45
20.27
19.56
94
0.310
Assets¥B
4.777
5.187
5.939
6.351
6.762
7.590
8.266
9.347
10.18
10.99
1.176
10.20%
9.67%
91
2.848
LT debt¥B
5.201
4.666
4.166
4.307
3.967
3.729
3.225
3.408
2.912
3.031
4.335
(5.24%)
(5.51%)
86
Total assets
¥10.99B
9.67%
1.60×
Revenue
¥5.384B
4.61%
1.00×
Non-interest expense
¥3.236B
4.79%
1.02×
Net interest income
56.47%
Non-interest income
43.53%